Payments Blog

Holiday Shopping: Are your Transactions Secure?

 Ready or not, the holiday shopping season is in full swing! Find out what is expected this year for online holiday retail.

Consumer Trends to Expect for Holiday Season 2015

The National Retail Federation conducted its annual Holiday Consumer Spending Survey. The key finding was that shoppers are expect to do 46.1% of their holiday shopping online, up from 44.4% in 2014. ( Total online sales are projected to be up 11% since last year, totaling $83 billion, according to Adobe. It is also thought that Cyber Monday is set to rake in a record $3 billion this year, up from $2.65 billion in 2014. (

There will be an uptick in mobile device usage. 

Smartphone shoppers spent 233% more in Q3 2015 than Q3 2014 according to Internet Retailer. This bodes well for this year’s holiday shopping season. Consumers, looking for the convenience of shopping online and on their phones, are leaning more and more on their various devices, especially as they multi-task through the holiday season. Mobile will drive majority of shopping traffic for the first time at 51% of total volume. It is expected that smartphone use will continue to grow this holiday season. With that, iOS is predicted to drive the majority of mobile traffic.

Essential Steps to Converting Secure Online Customers

  • Make it easy for your consumers to shop, with Responsive Design that formats to any device, and provides simple navigation for phones and tablets.
  • Offer payment solutions and wallet solutions that are mobile-friendly — nothing frustrates potential buyers more than having to type in dozens of characters to make a purchase.
  • Minimize fraud and increase sales with a Consumer Authentication program where you can set up rules to allow your loyal consumers to buy with minimal friction, reduce false positives, and be able to consistently decline fraudulent transactions. Consumers are looking for quick and easy ways to shop online – help them by making their shopping experience quick, easy, friction-free and safe, with Consumer Authentication.


Contact Cardinal to learn more about Consumer Authentication and how to prepare your business for this holiday season!

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To learn more about Cardinal contact us at or at our website 

Posted by Michael Roche

Michael Roche is the Vice President of Consumer Authentication where he focuses on developing and strengthening relationships with enterprise partners in order to provide them with eCommerce solutions tailored to their needs.Mike is our Consumer Authentication expert. He is instrumental in soliciting feedback from Customers to improve current products and shape new product development.

Mike has been with CardinalCommerce since 2003, serving in many different capacities throughout his tenure. He is the founding member of the sales force and merchant support teams, where he has had the opportunity to contribute and lead the development of all of Cardinal’s Consumer Authentication programs, while working very closely with both Visa and MasterCard on their design and deployment of 3-D Secure. Mike is a member of The Payments Committee with the Merchant Risk Council (MRC) and is active with other industry organizations such as the Direct Response Forum, Electronic Transaction Association, Secure Remote Payments Council, and Cardholder Not Present Forum. He is frequently invited to speak at industry events on various payments- and fraud-related topics, in the U.S. and internationally.

Mike holds two Bachelor of Arts degrees with distinction from John Carroll University and is pursuing his MBA from Case Western Reserve University. In his free time, Mike enjoys fishing on Lake Erie, is a history fanatic and also is a published author. His greatest pride and accomplishments are his daughter Theodora, his son Macklin and beautiful wife Rebecca.

Find me on: LinkedIn

Nov 10, 2015 8:30:00 AM

Topics: Fraud, holiday shopping

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